Literature | Honey Zen
Liu Yang's mother was hospitalized due to coronary heart disease and needed surgical treatment urgently. Liu Yang and Zhang Zhizhi still have a long way to go to scrape together for the operation fee.
As a last resort, the face saving Liu Yang had to call his friends to borrow money.
It is said that true love is a friend who can lend you money these days. Liu Yang called one by one and was rejected again and again. In a flash, I saw the warmth of human relationships.
How did his friends refuse him?
Liu Yang thought that the first person to borrow money was his director. When he explained the situation to the director, his director told Liu Yang directly to his wife that Liu Yang wanted to borrow some money. Then Liu Yang heard the woman on the phone and hung up the phone.
The director's wife said, "Can you afford to borrow so much money? Did your cousin repay the money he borrowed last week?"
Hearing Liu Yang say that his mother is in hospital and needs an operation, he told Liu Yang that he had just bought a house before he told him about borrowing money. He blocked Liu Yang's words from his mouth.
Hearing Liu Yang said that he wanted to borrow money, he poured out bitterness with Liu Yang, saying that it was not easy for him to start his own business. Liu Yang could only say that he wanted to find another way.
At this time, Liu Yang must have a bad feeling. First of all, he is not a person who can easily borrow money from friends. For some people with high self-esteem, it is not necessary not to borrow money from friends. For one thing, I'm afraid I can't borrow it, and for another, I'm afraid I owe a favor. I'm more afraid that I can't borrow money than I owe a favor, because borrowing money is also a test of a friendship.
Why is it so difficult to borrow money now?
First, let me tell you something I experienced personally. When I just graduated from college, I rented a single room in the city with a monthly salary of 12.
One day, a college classmate who had not contacted me for a long time and was not very familiar with me suddenly called me. On the phone, she was very worried. She said that her wallet had been stolen by a thief, that her salary had not been paid, and that she had no money on her. She asked me if I could lend her 500 yuan.
At that time, I might have to save 500 yuan for two or three months. It was not easy for everyone to work outside. Seeing how hard she was, I transferred the 500 yuan saved in my card to her.
She said she would return it to me as soon as possible, and I said yes.
A few months later, I chatted with several other students and found that she not only borrowed money from me, but also borrowed money from them, all of which were 500 yuan. Later, I went to the class group to ask, and found that she and every college student had borrowed money. Some people did not lend it to her. More people, like me, thought that everyone was classmates, so they lent it to her.
She blackmailed all of us and changed our mobile phone numbers. She taught everyone in our class the first lesson after graduation: Don't lend money to others easily, even if that person is your good friend.
There are 56 people in our class. If 30 people lent money to her, it would be 15000 yuan. At that time, my monthly salary was only 1200. Let's think about it.
Why is it so difficult to borrow money now?
It is not because everyone is very poor. No matter how poor they are, they can always get out. It's because "It's easy to borrow money, but difficult to repay it".
If the other party needs more than 100000 yuan, you can lend 1000 yuan or 2000 yuan to them. They will not appreciate you, but they may feel you are perfunctory. If you lend tens of thousands of dollars to others, you need to be prepared for the money that will not return in the short term, or even in the long term. Of course, there is another situation, that is, you don't care about the money, so you are prepared that the money will not come back.
Everyone's money doesn't fall from the sky, so most people will hide when they hear about borrowing money. Some people think that I have a good relationship with you, so they borrow money from you. However, if the behavior of borrowing money cannot follow the principle of "borrowing and repaying, it is not difficult to borrow again", it will hurt feelings.
Many people, after evaluating their own and each other's economic situation, choose to hurt their feelings rather than their money, and refuse to lend money to acquaintances.
So, how to refuse acquaintances to borrow money?
1. Transfer contradiction
Liu Yang's director rejected Liu Yang in this way. Because of the bad relationship between the two people, he refused directly, but he really didn't want to lend him money, so he directly asked his wife to act like a black face.
Not that I won't lend it to you, but that my wife won't agree. Finally, the director also offered to give Liu Yang his private money of 5000 yuan, leaving Liu Yang speechless.
Many people, especially men, refuse to borrow money from acquaintances by transferring contradictions. First, it is easy to use, and second, it will not directly hurt friends' direct feelings.
2. "Worse"
Liu Yang's third friend who had difficulty in starting his own business heard that Liu Yang wanted to borrow money, so he cried with Liu Yang first. Liu Yang was embarrassed to borrow money from a friend who was even more difficult than himself.
If you refuse to borrow money from your friends in this way, you must remember that "acting must be complete", otherwise it will hurt your feelings as well. You can't cry with others for poverty at the first moment, and show off the luxury car in the circle of friends at the next second, which is unreasonable. So, since you are poor, if you still cherish this friend, you should learn to keep a low profile.
3. Refuse big money and give small money
In the final analysis, Liu Yang's three friends were most appropriately handled by his director. He used his wife to avoid the embarrassment of refusing to lend money to Liu Yang. Later, he told Liu Yang that he still had 5000 private money and could give him all the money in case of emergency.
Refused to lend a large amount of money, and directly gave the other party a small amount of money that he could bear, calming Liu Yang's loss.
Money is not easy to borrow, even if the other party is your relatives and friends. How can I borrow money from acquaintances?
1. Identify the target
When you need to borrow money from relatives and friends around you, you must first scan your circle of friends to screen out the friends who are most likely to lend you money.
How to find the target? You should understand their basic economic situation and current situation. For example, if you learn that a friend has just bought a house recently, he may not be able to lend you money.
2. Diversify risk
If you want to borrow 100000 yuan, if you want to borrow the 100000 yuan from a friend, it is probably impossible to borrow it. After all, it is not an ordinary friend relationship, or a friend with ordinary financial ability, and there is no way to lend 100000 yuan to you at one time.
So, you might as well divide the 100000 yuan into 50000 yuan, 30000 yuan and so on. There is not much difference between owing a favor to one person and owing a favor to a group of people.
The key is to spread their risks so that you can easily borrow money.
3. Emotional investment
In fact, many people are not unwilling to lend money, but why do they lend you money? When you have nothing to do, you can't remember someone once a year. When you have something to do, you think of someone else. Feelings need time to develop, and friendship is the same.
Therefore, you should learn how to invest emotionally in ordinary days, so that when you need help, people will be willing to help you. Some people, you think you are friends, but others may not think so.
At the end, I want to emphasize that "whether you borrow 500 yuan from a friend or 100000 yuan, you must pay it back". Don't think that 500 yuan will be ignored by others. 500 yuan is enough to make people see a person's character clearly.
In addition to friendship, the word "credit" is more important in the money exchanges before friends, which is the basis of life.
Today's topic: If an acquaintance borrows money from you, will you?
